Personal Risk and Insurance
We provide advice that can help our clients evaluate their financial risks and take measures to protect their family.
Personal Risk and Insurance
Protection for you and your family
Whether you have a young family to protect, a home mortgage, a business partnership or school fees to pay for years to come, you have financial risks that need to be evaluated and measures taken to protect against the loss of your life or your income due to illness or injury.
We provide advice that can help our clients evaluate their financial risks and and take measures to protect their family against those risks.
We can provide advice around the following insurances, and source competitive options:
Personal risk insurance:
- Income protection
Pays up to 75% of your income if you are ill or injured, providing financial relief at a time when you need to be concentrating on getting back on your feet. - Trauma insurance
A lump sum cover that will assist you during hard times if you suffer one of the defined medical events such as cancer, a heart attack or a stroke. It will allow you to access the best medical treatment available, pay for your rehabilitation, and cut back on your work hours to concentrate on your recovery. - Life insurance
Provides your loved ones with a lump sum payment that can help ensure their financial security if you die. It can allow your family to continue living the life you had planned together. - Total & Permanent Disability (TPD) insurance
Provides you with a lump sum payment if you were to become permanently disabled due to accident or illness and are unable to work.
Business insurance:
- Buy/Sell insurance
Pays a lump sum if you or one of your partners dies or suffers a serious illness or injury and are unable to stay in the business. - Key Person Insurance
A type of corporate-owned life insurance plan which insures an employer against the death or incapacitation of a key employee, usually an executive or partner.